Support in evaluating received credit proposals for new credit facilities and renewal of existing facilities for SMEs Programs Companies through detailed analysis of the Company’s credit worthiness by evaluating the company’s financial statements, collateral coverage, guarantor support and credit lending history (if any) for credit approvals / rejection.
Conduct in depth analysis of credit bureau reports (I-score reports) and cash flow statements to be able to determine potential risk and profitability of the provided / granted credit facility.
Prepare and write credit proposals including supportive information of industry analysis to provide SMEs Programs Risk Manager with reliable information for credit decision making regarding the client’s risk of default, credit rating and adequacy of the proposed financing.
Assist in Evaluating and providing the needed recommendations in restructuring unfavorable credit applications to ensure the effectiveness of the strategies
conduct an in-depth financial analysis of public and private financial data, market trends, and microeconomic conditions to provide management with highest quality risk assessments, credit research, and comprehensive analyses that guarantees risk adequate pricing at all times.
Stay updated with CBE regulations, market trends, regulatory changes and best practices to be able to provide sound credit decision.

Qualifications and Experience:
Bachelor’s degree in Business Administration, Accounting, Economics, Commerce or any related field.
For the Credit Reviewer role from 1-3 years preferred with relevant experience, credit course is a must.
For the Senior Credit Reviewer role from 3-5 Years of relevant experience – credit course is a must.
Experience within Banking Industry is a mandatory.

Skills:
Excellent command of English and Arabic languages (written and spoken)
Excellent decision making and negotiation skills
Excellent communication skills
Excellent planning and organizing skills

Excellent Business Acumen of external market and up-to date market trends and practices.